When can I apply for another 0% card without it affecting my credit rating?

angel_whip

Hi

Been building my credit file back up again, and today was accepted for the BoS 36mnth 0% card :j

Only problem is, the balance transfer limit they gave me falls just under 1k short of the balance I want to transfer. I've taken what they offered, and plan is to see if I can get another 0% to cover the rest, but question is, when can I apply for this and a) get accepted as jsut getting another card isn't an issue and b) wont affect the rest of my credit rating.

Any advice greatly received!

A x

immoral_angeluk

Any application will always leave a mark on your credit file. The only exception I can think of is that sometimes an existing card provider you have may increase your limit without a search.

rockm87

Use the eligibility checker on MSE site to see what deals you may be able to get.

But I would just focus on getting your remaining balance (not on 0%) down as quick as possible, it may not be as much as you think.

Try the snowball calculator.

angel_whip

Thanks - the interest rate is 26.9% on the balance that is left so really would like to shift it (not my only card) so will leave it a little while and try for the next best one on the eligibility checker.
xxx